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Budgeting & Financial Counseling

Community Advantage offers you free access to financial counselors. As a customer of Farmers State Bank, you can receive assistance with: Personal and family budgeting, understanding your personal credit report and how to improve your score, personal money management, dept repayment, and help avoiding bankruptcy, foreclosure, and repossession. To use this service, simply call 1-866-MYBANK9 (692-2659) or click here.

Visit GreenPath's financial wellness page. Living Paycheck to Paycheck? GreenPath can help.

BudgetSmart Software (Free)

BudgetSmart is a new and exciting software program now available on our website. This easy-to-use software tool uses simple graphics, "pop-up" boxes and bar charts to help you manage your money more effectively. You can use the program to:

  • Establish a budget
  • View tips for improving areas of overspending or inadequate saving
  • Track spending
  • Experiment with "what if" scenarios to determine how a major purchase or change in income would impact your budget

Click on the budget smart logo or here to download the program to your computer FREE of charge, and you're on your way to creating your own personalized budget!


CheckRight is a web-based checking account management education module designed to teach you how to manage a checking account. Use CheckRight if:

  • Open an account
  • Write checks
  • Make deposits
  • Maintain a check register
  • Reconcile an account
  • Create a spending plan

CheckRight is a self-study program that allows you to learn at your own pace. Once you have read through the chapters, you will be directed to a quiz that will test your knowledge on checking accounts. You will be able to view the results and you have the option to send the results to the bank via e-mail.